Contractor Insurance
General contractors face unique risks on every job site — from property damage to employee injuries. Our contractor insurance packages bundle the coverages you need so you can bid with confidence and meet contract requirements.
Coverages we place
- General liability for bodily injury and property damage on job sites
- Workers' compensation for crew injuries and medical costs
- Commercial auto for work trucks, vans, and trailers
- Tools & equipment coverage for theft, damage, and breakdown
- Inland marine for materials in transit between sites
- Builder's risk for structures under construction
- Umbrella liability for large-contract protection
- Surety bonds to meet bid and project bonding requirements
Who needs this coverage
General contractors, remodeling companies, home builders, handyman services, and specialty trade contractors who need proof of insurance to win contracts, pull permits, and protect their business from costly lawsuits.
What drives your premium
- Type of work performed (roofing vs. painting vs. framing)
- Annual gross receipts and payroll
- Number of employees and subcontractors
- Claims history and safety record
- States where you operate
- Contract sizes and bonding requirements
Common exclusions
- Intentional acts or fraud
- Work performed without proper licensing
- Pollution liability (available as endorsement)
- Professional design errors (need E&O)
- Employee dishonesty (need crime coverage)
Frequently asked questions
What insurance do contractors need?
At minimum, general liability and workers' compensation. Most contracts also require commercial auto, tools coverage, and sometimes umbrella liability. Surety bonds are needed for public projects and many private contracts.
How much does contractor insurance cost?
General liability typically runs $800–$3,000/year for small contractors. Workers' comp varies widely by trade — roofers pay more than painters. We bundle policies to save 15-25% on average.
Do I need insurance for subcontractors?
Yes. If your subs don't carry their own insurance, your policy may cover their claims — increasing your premiums and risk. Always require certificates of insurance from subcontractors.
Can I get same-day certificates of insurance?
Yes. We issue COIs within hours so you never lose a contract due to paperwork delays.
What should I have ready to quote my contracting business?
Your trade and the type of work (residential, commercial, new construction or remodeling), license number, years in business, annual revenue and payroll by role, subcontractor costs, vehicles and equipment you use, the limits required by your contracts, and claims from the last 3–5 years. With that we can quote general liability, workers' comp and commercial auto together.
Related coverage
Get a free quote or call (321) 206-8035.